#care4UYour insurance policy

January 2019

TERTIARY EDUCATION UNIONTe o Aotearoa

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Welcome to #care4Ua HealthCarePlus product underwritten by Union Medical Benefits Society Ltd (UniMed).

Thank you for choosing #care4U from HealthCarePlus. We are sure that you

will find that it’s good to belong.

This is your insurance policy document. Please take the time to read your

insurance policy document carefully and if you have any questions please call

0800 600 666 Monday – Friday 8 am – 5 pm.

What is #care4U?

This product covers day-to-day health care costs and is designed to meet

the specific needs of people like you. #care4U provides cover for Dental,

Optical, General Practitioner and Specialist visits, Prescriptions, and

treatment/consultations with Complementary Medical providers.

Refer to the Coverage Table for terms and conditions.

#care4U is exclusively available to members of a participating union1 and their

families.2 It’s one of the key benefits of belonging to these unions. #care4U is

underwritten by UniMed.

HealthCarePlus also offers access to a range of other insurance products for

you to choose from including Hospital Cover, Risk Insurance including; life

insurance, income/mortgage protection, trauma insurance and a home loans

solution. To find out more about the benefits of these products, please call

0800 268 3763 Monday – Friday 8 am – 5 pm.

Hospital Cover and Risk Insurance may be underwritten by a range of

New Zealand insurers. The Home Loans Solution is arranged through a

range of New Zealand registered banks. These products are distributed

by HealthCarePlus Representatives, financial advisers employed by or

contracted to Monument Insurance Limited, a division of Crombie Lockwood.

1 Members of: NZEI, PPTA, ISEA, TIASA, PSA and Tertiary Education Union. 2 See definition of “Family/Whanau” on page 11.

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Who is HealthCare Plus?

HealthCarePlus is the trading name for The Education Benevolent Society

Incorporated (“EBS”). EBS was started in 1963 to enable teachers, education

sector members, and their families to access competitive insurance products to

support their families’ health and provide financial protection for unforeseen

events.

In 2018 the Board of EBS conducted a fundamental review of the business

and decided to enter a strategic partnership with UniMed whereby UniMed

underwrites all HealthCarePlus health insurance products, and EBS

focusses on providing members with a range of competitively priced health

insurance products underwritten by UniMed.

Who is UniMed?

UniMed is the trading name for Union Medical Benefit Society Limited

established in 1979 and provides a comprehensive range of health

insurance plans. Like HealthCarePlus, UniMed was established by Unions

to provide its members with health insurance benefits. UniMed is a New

Zealand licensed insurer.

UniMed is a not-for-profit incorporated society. This means UniMed is

owned by you, its members and any profits (called surpluses) are applied for

the benefit of those members. Unlike a company, there are no dividends

paid to shareholders.

Financial Strength

UniMed has been given an A (Excellent) insurer financial rating by AM Best.

A (Excellent) Rating Provided by AM Best. AM Best’s ratings are as follows:

Secure Ratings Vulnerable Ratings

A++ A+ A A- B++ B+ B B- C++ C+ C C- D

Superior Excellent Good Fair Marginal Weak Poor

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Contents

Coverage Table 6

How to Claim 9

Exclusions 10

Who can join 11

Managing your Membership 12

Complaints Procedure 13

Privacy Statement 14

Definitions 15

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#care4U Coverage Table

The following tables describe the benefits covered by your #care4U policy. It includes the health care service or benefit

covered, reimbursement level, Benefit Maximums, Waiting Periods and other terms and conditions applicable to the

cover. The Benefit Maximums apply as a total (i.e. aggregate) sum for all of the services outlined in the Benefit Section

(unless otherwise indicated i.e. where Sub-limits apply).

The Board reserves the right to interpret, alter or amend the conditions for payment of benefits generally as it deems

necessary. Further details about the terms and conditions of Membership are outlined in this policy document, within

UniMed/HealthCarePlus Conditions of Membership and on the HealthCarePlus web-site.

Health Care Service or Benefit

Benefit Maximums

Waiting Periods

Other Terms and Conditions

DENTAL

DENTAL CONSULTATIONS AND TREATMENT

50% reimbursement of actual costs incurred up to $250 per Calendar Year for each Insured Adult or for all Insured Children collectively

6 months Includes dental examinations, x-rays and cleaning/ polishing performed by a Dentist, Oral Surgeon or Dental Hygienist.

Includes fillings and teeth extraction (excluding wisdom teeth) performed by a Dentist or Oral Surgeon.

Includes periodontic and endodontic treatment.

Crowns, dental implants and dentures are not included. Veneers, gold fillings or other forms of cosmetic dentistry are not included. Prescribed medicines are not included. Orthodontic treatment is not included (refer Orthodontic Benefit).

OPTICAL

OPTOMETRIST EYE EXAMINATIONS AND GLASSES, CONTACT LENSES

50% reimbursement of actual costs incurred up to $250 per Calendar Year for each Insured Adult or for all Insured Children collectively.

6 months Covers the cost, up to the maximum cover for this benefit, of:

• Optometrist eye examinations

• Prescription glasses or contact lenses where there has been a change in vision

Documentation specifying the date of the eye examination must be provided to claim for prescription glasses or contact lenses.

Receipted itemised accounts must be provided, clearly stating the date of the prescribing eye examination.

The effective date for the claim is the date of the prescribing eye examination and not the date of purchase or supply of the prescription glasses or contact lenses.

Optical coatings, eye drops, solutions, cases and prescribed medicines are not included.

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Health Care Service or Benefit

Benefit Maximums

Waiting Periods

Other Terms and Conditions

MEDICAL, SPECIALISTS & TESTS (including health screening)

GENERAL PRACTITIONER FEES,

PRESCRIPTION MEDICINES,

LABORATORY TESTS,

SPECIALIST CONSULTATIONS,

DIAGNOSTIC TESTS AND HEALTH SCREENING,

AMBULANCE FEES

50% reimbursement of actual costs incurred up to $250 per Calendar Year for each Insured Adult or for all Insured Children collectively.

3 months Covers the cost, up to the maximum cover for this benefit, of: • Registered Medical Practitioner consultations

• Registered Medical Specialist consultations

• Medicines or laboratory tests prescribed or

referred by a Registered Medical Practitioner or

Registered Medical Specialist up to a maximum

of $10 per prescription item or laboratory test

• Flu vaccinations (all other vaccinations excluded)

• Diagnostic tests*, x-rays and ultrasound (non

obstetric) on referral from a Registered Medical

Practitioner or Registered Medical Specialist This benefit excludes treatment covered by the Complementary Medical Benefit even if this treatment is provided by a Registered Medical Practitioner. * This includes health screening tests including mammography,

prostate checks and skin checks (excluding mole mapping –dermatologist consultations only).

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Health Care Service or Benefit

Benefit Maximums

Waiting Periods

Other Terms and Conditions

COMPLEMENTARY MEDICAL

PHYSIOTHERAPY, CHIROPRACTIC, OSTEOPATHY, PODIATRY,

ACUPUNCTURE, NATUROPATHY, HOMEOPATHY,

PSYCHOLOGY, PSYCHOTHERAPY,

COUNSELLING, DRUG AND ALCOHOL THERAPY,

DIETITIAN AND NUTRITIONIST,

LYMPHOEDEMA THERAPY,

ALLERGY TESTING AND CHELATION THERAPY,

AUDIOLOGY, OCCUPATIONAL THERAPY, SPEECH-LANGUAGE THERAPY,

INFERTILITY/ STERILISATION

50% reimbursement of actual costs incurred up to $250 per Calendar Year for each Insured Adult or for all Insured Children collectively.

3 months Covers the cost, up to the maximum cover for this benefit, of treatment and consultations provided by/ or x-rays on referral from persons registered with: • The Physiotherapy Board of New Zealand;

• New Zealand Chiropractic Board;

• Osteopathic Council of New Zealand;

• Podiatrists Board of New Zealand;

• Acupuncture NZ;

• New Zealand Acupuncture Standards

Authority Inc (NZASA);

• The Physiotherapy Acupuncture Association

of New Zealand Inc. (PAANZ);

• Naturopaths & Medical Herbalists of New Zealand Inc – Naturopaths only;

• New Zealand Council of Homeopaths Inc (NZCH);

• New Zealand Psychologists Board;

• The Psychotherapists Board of

Aotearoa New Zealand;

• The New Zealand Association of Psychotherapists (NZAP);

• NZ Association of Counsellors (NZAC);

• The Addiction Practitioners Association

of Aotearoa – New Zealand Inc.

(DAPAANZ);

• Dietitians Board;

• Nutritionist Society of New Zealand;

• Lymphoedema NZ;

• New Zealand Audiological Society (MNZAS);

• Occupational Therapy Board of NZ (OTBNZ);

• New Zealand Speech-Language

Therapists Association (NZSTA).

Treatment outlined above is also covered if performed by a Registered Medical Practitioner.

Fertility treatment or sterilisation procedures are covered. Dietitian or Nutritionist consultations are covered if referred by a Registered Medical Practitioner.

Chelation therapy, allergy testing or consultations and treatment related to allergies are covered if performed by a Registered Medical Practitioner.

Medications, remedies, aids, food supplements or other items relating to treatment by the providers listed above are not included.

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How to claim

We recommend that you read this section before you

submit your claim.

If you have any further questions you can contact us on

0800 600 666 Monday – Friday 8 am – 5 pm.

Online claiming – it’s easy

You can submit a claim by emailing the claim to

claims@unimed.co.nz. Simply download and complete

the claim form. Attach to an email along with your

scanned or photographed receipts and submit your claim

– it’s that easy.

All sections of the claim form must be completed to avoid

delays in processing your claim.

Please make sure that all scanned or photographed

receipts are legible and are itemised, showing the date of

treatment, treatment provider, patient treated, description

of health services received and fees charged.

A receipt for $100 or more must be accompanied by

an itemised account. UniMed will not accept EFTPOS,

cash register receipts, credit card receipts or Income

Support Services Reports. You are required to retain

your original receipts until claim settlement in the event

they are required to assess your claim.

The Member is required to submit the claim on behalf of

all Members on the policy. Claims are paid by direct

credit into the Member’s nominated bank account.

Payments received by Members are not subject to

income tax and are inclusive of GST.

Please note the minimum amount that will be

processed for any claim is $10.

Posting your claim

Download a claim form from the website, fill it in, attach

your original receipts to the claim form and then post it to

UniMed. If you do not have website access, please call

0800 600 666 and we will post a claim form out to you.

The same conditions for online claims (as specified

above) apply to claims submitted by post.

How long do I have to claim?

It is recommended that all claims are lodged promptly

after a Member uses or receives the relevant eligible

healthcare services.

Other considerations applying to particular claims

Claims from outside New Zealand Costs incurred outside New Zealand are ineligible

except for any Member on approved overseas

exchange or study leave who continues to have

NZ$ salary paid to them and continues to make

contributions for their HealthCarePlus policy. Costs

within the country of exchange only are eligible.

Claims must be supported by a letter from the

Member’s pay office confirming the country of

exchange and the start and finish date of approved

overseas exchange or study leave.

Events claimable from any other source Reimbursement must be claimed from other sources first.

Copies of receipts/accounts must support claims. All

claims must be accompanied by evidence of the amount

received from the other society/provider.

Note: When submitting a copy of the list of events

claimed from another society/provider with a

HealthCarePlus claim form, this will reduce form filling, as

it is not necessary to complete these same details on

your HealthCarePlus claim form.

Claims subject to the Accident Compensation

Corporation (ACC), Work and Income, Ministry of Health,

Ministry of Social Development, Ministry of Justice, other

government refunds or assistance must be settled before

applying to HealthCarePlus. In these cases a maximum

of 50% of the balance less other medical insurance

refunds will be paid.

No Member may receive an aggregated refund of more

than 100% of original costs.

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Exclusions – what you are not covered for

These are expenses or items that are not covered and

will not be reimbursed by your HealthCarePlus policy.

The following items are excluded from coverage:

Expenses arising from and/or associated with the

following treatments or activities are excluded:

• All surgical procedures

• Pregnancy and birth

• Accommodation and travel related expenses

• Food supplements

• Non-health related consultations e.g.

examinations for employment, insurance

purposes or drivers’ licences

• Preventative treatment/vaccinations

• Cosmetic treatment

• Over the counter medication

• Consumables, accessories, replacement

parts or repairs

• Treatment and expenses incurred outside of

New Zealand (refer to paragraph entitled

“Claims from outside New Zealand”)

• Any treatment or benefit that is not

specifically included in the Coverage Table

• Hire fees

Please call 0800 600 666 Monday – Friday 8 am – 5 pm

for further information on restrictions.

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Who can join?

An applicant for cover must be a financial member of, or

be employed by one of the following participating unions:

• TEU: Tertiary Institutes Allied Staff Association

Incorporated

• NZEI: New Zealand Educational Institute

Incorporated Te Riu Roa Incorporated

• PPTA: New Zealand Post Primary

Teachers’ Association Incorporated

• TIASA: Tertiary Institutes Allied Staff Association

Incorporated

• PSA: NZ Public Service Association Te

Pukenga Here Tikanga Mahi Incorporated

• ISEA: The Independent Schools

Education Association

A former employee of a participating union who is a

financial member of a participating union is eligible to

take out a HealthCarePlus policy.

An applicant who is linked through ‘Family/

Whanau’ Membership* is eligible to take out a

HealthCarePlus policy.

Once the applicant is admitted as a Member,

the Member must advise of any change to union

status.

Membership

The Member must include a partner and/or children in

their policy and pay the appropriate premium in order to

apply for benefits for them.

A parent or other adult who is not recognised as the

Member’s partner, cannot be included in the policy as a

partner for the purpose of obtaining benefits as a family.

Dependant children are eligible for benefits up to the end

of the year in which they become 21, to 31 December in

any year. Note: students, although living with a parent,

may be eligible for the Community Services Card and

this should be used where appropriate before claiming

HealthCarePlus policy benefits.

Over 21 year olds may continue to enjoy HealthCarePlus

policy benefits by commencing a new policy in their own

name and by moving to a non-union premium rate. To

discuss the options, call 0800 600 666

Monday – Friday 8 am to 5 pm.

Special Membership categories

Applicants who do not meet the above requirements can

be admitted with approval as follows:

Trainee Teachers Trainee teachers need to provide an annual declaration

that they still qualify for and are a current member

of a participating union. If not, their membership will

terminate at the end of the period when they no longer meet

the eligibility requirements of their qualifying union.

Trainee teachers qualify for union member rates.

*Family/Whanau Family or Whanau is defined as a family member residing

in the household of a HealthCarePlus Member, or an ex-

partner of a Member, or a child of a Member who is over

21 years of age. The HealthCarePlus Member must be a

financial member of, or be employed by a participating

union. Such a person, who is linked as Family/ Whanau,

can be a HealthCarePlus Member by paying for the policy

under their own name at a non-union rate.

Payment of Premiums Members will be notified in writing of changes made to the

level of premiums.

If you are in the education sector payment can be made by

fortnightly salary deductions.

Note Salary deduction is not available for PSA members,

Fortnightly, monthly and annual direct debit/credit card

options are available to all Members.

Fortnightly direct debits are deducted every second

Wednesday in conjunction with payroll dates. Monthly and

annual direct debits are deducted on the first business day

of the month.

Premiums received may not be refunded.

or anymore not in the eduction sector, i.e.;Family/Whanau or Trainee Teachers.

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Managing your Membership

Continuing your Membership when circumstances change

Life can be unpredictable so it’s good to know that

HealthCarePlus has options that enable you and your

family to maintain your Membership when your

circumstances change.

These life events can include:

• Starting a family

• A change in career

• Travelling overseas for an extended period

• Relationship break-ups and new relationships

• Children reaching 21

• Retirement

HealthCarePlus Members and their families can

continue their coverage, when their circumstances

change, and they are no longer Members of a qualifying

union. They will simply move to the non-union Member

premium rate.

In order to continue to enjoy lower premiums some

Members may elect to remain in their union,

through associate union Membership.

Honorary/Associate or Retired Member Members can continue paying contributions to

HealthCarePlus provided they either:

• become an Honorary or Associate Member

of a participating union or,

• they may choose to continue as a non-union

Member and pay the non-union Member

premium rate.

Relieving Teacher/Support Staff Irregular salary payments make it impossible for some

Members to maintain their eligibility for

HealthCarePlus benefits. Long-term relievers are also

disadvantaged when salary ceases at vacation time. To

ensure continuous eligibility for benefits premiums can

be paid in advance or by regular monthly direct debits.

Leave Without Pay Where leave without pay has been approved for a specific

period up to 12 months, a Member may pay

HealthCarePlus premiums for the full period in advance

before leave commences or may choose to pay monthly

by bank direct debit if leave is more than 6 months.

Members who do not pay in advance to cover periods of

approved leave without pay must re-serve the requisite

Waiting Periods when payments for your

HealthCarePlus policy resume (except for those Members

who have suspended Membership whilst overseas).

Overseas Suspension of Membership

HealthCarePlus Membership can be suspended for

a maximum period of 12 months if a Member is

travelling overseas for 3 months or more. Written/Email

confirmation is required.

Waiting Periods for benefits must be again observed after

any break in the payment of premiums (except for those

Members who have suspended Membership whilst overseas).

Changing your policy

Members may choose to increase their range of Benefits

by moving from one policy to another, provided that:

• All Members are covered in the same policy and

• The appropriate premium is paid

Members who elect to change their policy will serve the

Waiting Period applicable for all benefits that are not

included in their current policy. These additional Waiting

Periods apply over and above the standard Waiting

Periods for their current policy and from the date of the

first premium payment at the new policy rate.

For details on the Waiting Periods refer to the Table of

Coverage for the respective policy. All policy wordings

may be viewed and downloaded from the website

www.healthcareplus.org.nz or www.unimed.co.nz.

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Cancelling your Membership

If you are joining HealthCarePlus for the first time and are

not satisfied with the policy during the first 30 days after

the date you have received this policy document and

your Membership Certificate, you can cancel the

policy and we will provide a full refund of all premiums

paid. You can only do this if no claim has been made

under the policy during this period by you or in respect to

any other Members insured by your policy. If you

wish to cancel the policy within the 30 day period please

contact us.

Complaints Procedure

At UniMed we strive to provide excellent customer

service and empathetic support to our members.

However occasionally things can go wrong or a

member is unhappy with a decision we have made.

Our Complaints Process provides the opportunity to

provide feedback, seek review of a decision or

request an alternative action.

As a member of the Insurance and Financial Services

Ombudsman scheme, members who remain unhappy at

the end of the Complaints Process can request a Letter of

Deadlock in order to access the IFSO’s services.

If you have a complaint, we recommend that you contact

us on 0800 600 666 Monday – Friday 8 am – 5pm.

The complaints process varies depending on the type of

complaint that you have. We will acknowledge your

complaint by the end of the next business day and will

respond fully once all information has been gathered

and a full review has taken place. Please be aware that

in some cases this process can take some time,

especially if we have to seek information from third

parties such as doctors or business partners.

Please also review our complaint procedures detailed

on www.unimed.co.nz. It sets out the complaints

procedure to follow if it relates to:

• Claims Decision,

• Administration Decision, or

• Premium Payment.

You can cancel your policy at any other time thereafter

but if you do so you will not be entitled to a refund of

any premium already paid to us and you will remain

liable for premium due up to the date the cancellation

takes effect. Cover will be provided until the date the

policy is paid to.

Cancellation of a HealthCarePlus #care4U Membership

must be advised in writing/email to UniMed.

For cancellation of an Approved Hospital Cover policy;

please call 0800 268 3763 Monday – Friday 8 am – 5 pm.

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Privacy Statement

UniMed is committed to respecting the privacy of our

Members and their personal information.

We understand the need to safeguard your personal

information and the importance of our obligations under

the Privacy Act 1993.

Collection & Usage of personal

information

UniMed directly collects personal information when:

• you apply to become a UniMed member.

• you become a member as part of a workplace

scheme.

• you use the UniMed member self-service portal.

Information held may include (but is not limited to):

• name, address, contact details, date of birth and

email address.

• payment details and history.

• Current or past private health insurance coverage

including level of cover and claims made.

• Health information including pre-existing

information.

• Employment details where the policy is connected

to a workplace scheme.

UniMed holds this information to:

• consider eligibility for cover under a policy.

• consider the specific terms applying to a policy

(including any pre-existing conditions).

• Administer the policy and membership with

UniMed.

• Determine whether any benefit is eligible for

cover under a policy.

• process, investigate, and review any claims made

and/or paid.

• Credit control.

• Prevent, detect, and investigate any instances of

fraud.

UniMed may disclose your information to:

• The policyholder (or husband / wife / partner if

also covered) or to individuals to whom the

policyholder has granted authority to act on

their behalf.

• Relevant health service providers of approved

facilities.

• Any third party authorised by the policyholder

or adult dependent.

• An advisor associated with the policy

(including the disclosure of health

information).

• A group administrator (if part of a work

scheme) for the purpose of premium

administration or verification of eligibility to be

part of a work scheme (excludes the

disclosure of health information).

• A previous underwriter of your health policy

(that UniMed has taken over).

• Allow third party providers of other products

and services to contact you where those third

parties have a business relationship or other

association with UniMed.

• Any other party in accordance with the law.

Is your information correct?

Any person about whom we hold information has

rights under the Privacy Act to request any part of

their private or health information held by UniMed.

Prompt notification by phone or by email of any

changes to contact details will help us ensure that all

information UniMed holds is complete and up to

date, and that we send correspondence to the

correct address. Wherever possible, please provide

a personal email address

Where an adviser, broker or other sales agent is

associated with you policy, either directly or via a

current or previous group insurance scheme or as

a previous underwriter of your health policy (that

UniMed has taken over), you consent to the

disclosure of the information to that adviser,

broker, or sales agent to enable the adviser,

broker, or sales agent to carry out transactions

with you and UniMed, perform customer

advocacy with UniMed, and generally to deal with

UniMed in relation to your policy.

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Benefit Maximum or Entitlement The maximum, total (or

aggregate) sum that will be reimbursed for the specified

period relating to the health care services or benefit

outlined in the Benefit Section. Note: in some cases

Sub-limits will apply.

Business Day This means a day that is not a Saturday,

Sunday or public holiday in Auckland, Wellington, or

Christchurch, New Zealand.

Benefit Section This is a category of health care services or

benefits that have a common Benefit Maximum. For

example, Optical.

Calendar Year A 12-month period starting 1st of January

and ending 31 December.

Family/Whanau Family or Whanau is defined as a family

member residing in the household of a Member, or an

ex-partner of a Member (including a deceased Member),

or a child of a Member who is over 18 years of age.

HealthCarePlus The trading name for The Education

Benevolent Society Incorporated.

Insured Adult A Member who is aged 18 (and over) and not

registered as an Insured Child on the policy.

Insured Child A registered dependant child who is aged

under 21 and 21 year olds up until the end of the year in

which they turn 21 years of age, i.e. 31 December.

Member The person who is eligible to join HealthCarePlus

and is responsible for the payment of all premiums

associated with the Members on their HealthCarePlus policy.

Note: Although the Member is responsible for payment of

premiums, a family member may elect to pay the

premiums on behalf of the Member.

Membership All persons insured by HealthCarePlus under

the same #care4u policy.

Participating Union Members of: NZEI, PPTA, ISEA, TIASA,

PSA and Tertiary Education Union

Registered Medical Practitioner A person who holds a

current practising certificate in compliance with the Health

Practitioners Competence Assurance Act 2003 (or any

subsequent Acts) and is a Member of the appropriate

registration body.

Registered Medical Specialist A Registered Medical

Practitioner who is a Member of an appropriately

recognised specialist college and has authority granted

under the Health Practitioners Competence Assurance

Act 2003 (or any subsequent Acts) to perform that health

service and has Medical Council of New Zealand

vocational registration for that health service.

Sub-limit This is a limit that applies to a specific health care

service or benefit within a Benefit Section. For example a

prescription limit of $10 per item.

The Board The Board of Directors of The Education

Benevolent Society Incorporated. (trading as

HealthCarePlus).

Trainee Teacher Is a student that is; registered with and

studying at a tertiary education institution, to become a

teacher, and who is a current and eligible member of a

participating union.

Waiting Period/Qualifying Period This is the minimum period

that all Members on a policy must have been continuously

insured (with premiums fully paid) before they are eligible

to claim. Benefits may be claimed for events that occur

after the Waiting Period has been completed in full.

“We” or “Us” Refers to The Education Benevolent Society

Incorporated. trading as HealthCarePlus.

“You” or “Your” Refers to the Member or their insurance policy.

If you do not provide us with your information

If the information provided to UniMed is not accurate or

complete, we may not be able to process the application or

claim and it may result in UniMed not being able to provide

cover until such information is provided. The consequences

of providing incomplete, false, or misleading information are

set out in the UniMed Conditions of Membership.

Is your information secure?

UniMed takes reasonable steps to ensure that all personal

information is kept secure. We protect the privacy and

security of the personal information we hold through the use

of security access, firewalls, encryption, and computer

security systems. UniMed has physical, electronic, and

procedural safeguards to protect members’ personal

information which is held by us, and access to information

stored electronically is restricted to staff whose positions

require access to this. We may also use third party data

storage providers and servers to store personal information.

Do you need more information?

Personal information is collected and held by Union Medical

Benefits Society Ltd (UniMed), 165 Gloucester Street,

Christchurch 8011. For further information regarding this

privacy statement or to discuss the steps that have been

taken to protect personal information and privacy, contact

our Privacy Officer by calling 0800 600 666 or by emailing

feedback@unimed.co.nz

Changes to this privacy statement

UniMed reserves the right to change this privacy statement

from time to time. This privacy statement was last updated

in December 2017.

DefinitionsThese are terms used in this Policy Wording that are defined to provide clarity.

HealthCarePlus policy queries and claims:

0800 600 666 Ph: 03 365 4048 Fax: 03 365 4066

Queries: members@unimed.co.nz

Claims: claims@unimed.co.nz

Download forms at:

healthcareplus.org.nz or

unimed.co.nz/important documents

Monday – Friday 8 am – 5 pm

HealthCarePlus Representative line:

0800 268 3763

Monday – Friday 8 am – 5 pm

Remember, the sooner you join,

the sooner we can help you pay for

your day-to-day health costs.